Exactly, I knew some that came here. Any water regardless if it was a tornado they will call it different. FEMA is a joke. Better have food insurance and then some insurance companies don't want to pay. You have to fight for anything.

My home was flooded and I was one of three homes in the flooded neighborhood without flood insurance. I'd bought my house before it was mandatory. In the end, I collected on my homeowners insurance. Those with flood insurance got nothing. When I read the policy for the flood insurance it was a joke. Protected nothing below ground level, no contents at that time, but the killer for the neighborhood was it only protected you from water coming from a federally recognized waterway. Our flood was by water going to a federally recognized waterway.

My homeowners paid because the insurance had a clause that said if I had a sump pump and it failed I collected. My pump failed when we lost power. My neighbor, a minister who hated me, stormed over when he saw the insurance adjuster and demanded to know why he was there. I ignored his rudeness and explained about the sump pump. He ran out and bought a sump pump and the next day an insurance adjuster was at my door. "Your neighbor says you can tell me how longs he's had a sump pump." I looked at my watched and said, "About 18 hours." He didn't get covered and hated me even more.

If you have flood insurance, read the policy really well so you won't have an rude shocks should there be a flood. And, just keep in mind, the government is not your friend. Friend? They don't even like most of us.

Cops: Man Sexually Assaults FEMA Inspector...Homeowner in ‘sex assault’ on FEMA galNovember 15, 2012 - During a check of his home for damage

A Staten Island homeowner was arrested yesterday for allegedly sexually assaulting a FEMA inspector who was checking his house for storm damage, law-enforcement sources said. The inspector, a 49-year-old working for the government-contracting firm PB Disaster Services, had knocked on Robert Langshultz’s door in the Sandy-battered Midland Beach section on Monday afternoon.

Langshultz, of 895 Father Capodano Blvd., then allegedly pounced on the woman. He allegedly threw her against a wall, tried to kiss her and grabbed her breasts and buttocks. The woman broke free and later informed police, the sources said. The Staten Island Special Victims Unit picked up Langshultz, who is a contractor, early yesterday morning.

Langshultz, a 53-year-old contractor, was charged with sexual abuse and forcible touching. His arraignment is pending. “Unbelievable! It’s really ridiculous,” said a woman who identified herself as his sister. “My brother lost everything. He didn’t have nothing left.” His neighbors were shocked by the news. “He’s a great guy. Terrific, actually,” said one neighbor, who asked not to be named. “He’s a hard worker. He gets up at 4:30 in the morning everyday to go to work. He’s been dealing with the flood for the last two weeks,” he added.